Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
WRLD
HoldPremium GrowerWorld Acceptance Corporation · Financial Services · United States · $878M · Avg Vol: $16M/d
COMPANY DESCRIPTION
World Acceptance Corporation provides short-term small installment loans and related credit insurance products to individuals in the subprime credit market. Its competitive moat is derived from specialized underwriting capabilities and a vast network of physical branches that facilitate personalized customer relationships in a niche financial segment. The company serves a demographic often underserved by traditional lenders, focusing on responsible lending practices within its regulated environment.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 551.8M | 566.1M | 524.6M | 521.5M | 535.7M | -0.7% | 591.2M | 560.7M | 599.0M | 5.7% |
| EPS | 8.49 | 3.41 | 13.02 | 16.70 | 7.52 | -3.0% | 7.85 | 14.22 | — | 89.1% |
| Shares | 6.3M | 6.2M | 5.9M | 5.4M | 4.7M | -26.6% | 4.7M | — | — | — |
| Debt | 779.8M | 679.0M | 577.9M | 525.6M | 661.2M | -4.0% | 648.1M | — | — | — |
| Equity | 373.0M | 385.2M | 424.4M | 437.0M | 351.0M | -1.5% | — | — | — | — |
| Op CF | 272.4M | 291.6M | 265.8M | 254.2M | 259.4M | -1.2% | 265.6M | — | — | — |
| Inv CF | -451.9M | -180.6M | -135.1M | -152.8M | -232.9M | — | — | — | — | — |
| Fin CF | 182.9M | -113.7M | -135.3M | -103.5M | -6.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of WRLD are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| WRLD | World Acceptance Corporation(you) | $878M | 62 | Hold |
| GDOT | Green Dot Corporation | $760M | 42 | Hold |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 78 | Buy |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| NAVI | Navient Corporation | $887M | 35 | Sell |
| OPFI | OppFi Inc. | $602M | 40 | Hold |
| JCAP | Jefferson Capital, Inc. | $1.2B | 86 | Strong Buy |
| AGM-A | Federal Agricultural Mortgage Corporation | $1.7B | 44 | Hold |
| RM | Regional Management Corp. | $300M | 72 | Buy |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%